EVSC EMPLOYEE Health Insurance

On July 1, 2014, EVSC began offering an insurance marketplace to its employees. Employees were able to choose from six insurance plan designs. A summary of benefits for each of the offered plans is available below. All individuals covered by an EVSC health insurance plan will continue to have access to the services offered at the EVSC Health and Wellness Centers at no charge.

HOW DO I CHOOSE A PLAN THAT IS BEST FOR ME?

Selecting an appropriate health insurance plan is an individual decision which involves a number of complicated factors. Some of the factors ETA recommends its members consider are:

Claims History: Log into anthem.com and review your claims history. Have you met your deductible and/or your out-of-pocket maximum in recent years? Do you have ongoing or planned medical treatments in the next 6 months?

Prescription Drug Costs: This information is also available by logging in to anthem.com. If you are considering Plan G or H, research the full cost of your prescription. The following websites may assist you with prescription drug costs:- Medtipster - prescription drugs available on discount generic programs across the country- GoodRx - compare prices for all FDA-approved prescription drugs at virtually every pharmacy in America and find pharmacy coupons, manufacturer discounts, generics, comparable drug choices and savings tips all in one place.

Maximum Financial Exposure: Determine the maximum potential financial exposure for the plan(s) you are considering. The monthly premium is your guaranteed cost. The out-of-pocket maximum is your potential cost. The sum of those two factors is your exposure. Choosing an insurance plan involves a certain level of financial risk, and every individual has to determine their own risk tolerance.

Remember: Open enrollment will occur annually with a January 1 effective date absent changes to federal law.